Headway guides
Budgeting guides for spending, bills and goals
Plain-language articles about private budgeting, safe-to-spend planning and building a money system that fits real life.
Budget without linking a bank account
How manual budgeting works, what it protects and where the tradeoffs are.
Read the guide Everyday decisionsSafe-to-spend budgeting
Protect bills, essentials and goals before deciding what is flexible.
Read the guide Flexible incomeBudgeting with irregular income
Create a useful plan when income arrives on different dates and in different amounts.
Read the guide Freelance moneyBudgeting for freelancers
Balance essential costs, tax reserves, goals and flexible spending.
Read the guide PrivacyChoosing a private budget app
Questions to ask about accounts, analytics, bank feeds and where records live.
Read the guide iPhone budgetingA focused budget app for iPhone
What to look for when you want planning, activity and goals in one place.
Read the guide Product guideHow Headway works
See how accounts, transactions, planned payments and Safe to Spend work together.
Read the guide ComparisonsCompare budget apps
Review different approaches to privacy, automation, planning and pricing.
Explore comparisonsReady to use your numbers?
Try a free budgeting tool.
No sign-up and no bank connection. Your figures stay in your browser.
Budgeting in the United States
Explore budgeting by paycheck and manual budgeting without bank linking, with dollar examples and US resources.